First, can the house be resold if it is out of supply?
The house can be sold if it is out of supply, but it needs the approval of the bank. In fact, the bank has a mortgage on the house bought by the loan, and dealing with transactions and the like cannot be carried out without the consent of the bank. If the default is serious enough for the bank to auction, the bank may be more willing to directly sue the auction and will not support the transaction. If it is only a single default, and the seller can pay the full amount or re-mortgage the loan with better conditions than the lender and negotiate with the bank, the bank may accept it, but the default part must be settled first.
Second, what should I pay attention to when buying a house with a mortgage loan?
1. Apply for the loan amount according to your own ability.
When applying, the borrower should make a correct judgment on his current economic strength and repayment ability, make a correct and objective prediction of his future income and expenditure, carefully determine the loan amount, loan term and repayment method, design the repayment plan according to his income level, and leave room appropriately.
2. Choose a good loan bank for mortgage.
The more services banks provide, the more detailed they are. You will get flexible and diverse personal financial services, as well as a rich service and product portfolio. For example, some banks have introduced a series of new measures, such as adjusting the loan term of borrowers, allowing borrowers to change things, changing real estate rights and so on.
3. Choose the repayment method that suits you.
At present, there are basically two kinds of individual housing loan repayment: equal repayment and equal principal repayment. If equal repayment is adopted, the repayment amount will remain unchanged (except for adjusting the interest rate), and repayment is convenient, but interest will be paid more; Equal principal repayment, the monthly repayment amount is gradually decreasing.
The information provided to the bank should be true.
A true personal occupation, position and recent proof of economic income shall be provided. If you don't have enough ability to repay the loan, but exaggerate your income level, it is very likely that you will default at the initial stage of repayment, and it is confirmed by bank investigation that you have provided false certificates, which will affect yourself.
5. Provide my address accurately and timely.
Provide accurate convenience for banks and his, and receive repayment notice from banks on time every month.
6. Repay on time every month to avoid penalty interest.
Banks should automatically deduct money from their deposit accounts or credit card accounts on the agreed repayment date every month, and must pay attention to whether there is enough money in their repayment accounts before the agreed repayment date every month to prevent default due to their negligence.
The above is whether the house can be resold when it is out of supply. What do you need to pay attention to when buying a house with mortgage loan? I hope I can help you understand the relevant knowledge of the house being closed for resale. Please continue to pay attention to more decoration knowledge, decoration company evaluation and decoration cases.